Dodge Ram 2500 Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 are $1,186 every 12 months including full coverage. Comprehensive insurance costs around $198, collision costs $274, and liability costs around $534. A policy with only liability insurance costs as low as $588 a year, with a high-risk policy costing $2,556 or more. Teenage drivers pay the most at $4,746 a year or more.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Ram 2500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down estimated Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $715
• Using higher $1,000 deductibles will save about $108 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,186
• Using more expensive low deductibles for physical damage coverage costs an extra $206 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,556 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,746 or more

View Chart as Image

Car insurance prices for a Dodge Ram 2500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $320 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can be from 42% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Ram 2500 insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Right Dodge Ram 2500 Insurance

Finding better rates on insurance for a Dodge Ram 2500 requires avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a quick rundown of the car insurance concepts touched on in this article.

• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,370 more every year to insure a Dodge Ram 2500
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $325 each year
• Insureds who may need increased liability limits will pay an extra $590 per year to increase from 30/60 bodily injury limits to a 250/500 level